The Biztrics Journal

Cash flow, margins and working capital, explained for business owners.

Small Business Cash Reserves: How Much Is Enough?

How much cash reserve should a small business hold? Aim for three to six months of core costs, set by risk and tracked in buffer days, with benchmarks.

21 Oct 2026 · 7 min read

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Cash flow, margins and working capital, explained for business owners.

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Working Capital

Working Capital Opportunity: What Small Firms Should Copy

16 Oct 2026 · 7 min read

Financing

Debt vs Equity Financing for a Bootstrapped Business

21 Sept 2026 · 3 min read

Reporting

Five Financial Reports Small Business Owners Should Read Monthly

14 Sept 2026 · 3 min read

Reporting

Budget Variance Analysis Without a Finance Degree

7 Sept 2026 · 3 min read

Financial Statements

Cash Flow Statement Sections: Operating, Investing, Financing

31 Aug 2026 · 3 min read

Working Capital

Inventory Turnover Ratio and the Cash It Traps

24 Aug 2026 · 3 min read

Team

When to Hire a Bookkeeper, Accountant, or Fractional CFO

17 Aug 2026 · 3 min read

Planning

Financial Scenario Planning for the Next Two Quarters

10 Aug 2026 · 3 min read

Accounting Basics

Deferred Revenue Explained: Why the Bank Balance Lies

3 Aug 2026 · 3 min read

Pricing

Cost-Based Pricing When You Do Not Know True Costs

27 Jul 2026 · 3 min read

SaaS Metrics

SaaS Unit Economics: CAC, LTV, and Payback

20 Jul 2026 · 4 min read